Not everyone passes through these stages smoothly. Situations such as severe illness, financial problems, or the death of a loved one can have an effect on how well you pass through the stages. Fortunately, if you miss skills in one stage, you can learn them in later stages. The stages of the family life cycle are:
Health insurance companies typically require that a newborn be added to a policy within 30 days of birth. The U.S. Department of Labor says enrolling the child within that time frame should provide coverage retroactive to the date of birth.
If the insured member already has dependent coverage on his or her plan prior to the birth of the baby, coverage must be provided for the first 31 days without payment of additional premium or enrollment of the baby.